What Lenders Actually Look for – No Fluff, Just Facts
If you're a delivery business, contractor, or moving company shopping for a commercial truck, understanding the box truck loan requirements can save you time—and get you funded faster. At TruckLenders USA, we keep it simple: no tax returns, no hard credit pulls, and no dealership games.
This page breaks down exactly what you need to get approved for a box truck loan so you can apply confidently, avoid delays, and move forward with financing that fits your business.
Your personal credit score is one of the first things lenders look at—and it plays a big role in whether you’re approved and how favorable your terms will be.
Here’s the minimum we recommend:
650+ credit score preferred for fast-track approval
700+ credit may allow for lower down payments and better rates
Below 650? Approval is possible but may require a larger down payment or additional documentation
We run soft credit pulls only during the application process, so checking your eligibility with TruckLenders USA will not affect your score.
Lenders want to know your business is stable. That’s why your time in operation is a key box truck loan requirement.
Here’s what we look for:
2+ years in business is ideal and qualifies you for standard programs
Startups under 2 years may be considered case-by-case, especially with 700+ credit and strong revenue
We work with LLCs, Corporations, and Sole Proprietors—as long as your business is legally registered and active
We do not finance brand-new businesses without revenue, but if you're close, we’ll review your file honestly and let you know where you stand.
Box trucks are commercial equipment, and lenders want to see that your business generates enough income to comfortably manage monthly payments.
Our general revenue guidelines:
$15,000/month or more in gross business revenue
Higher monthly revenue can lead to lower interest rates, higher loan amounts, and better terms
We accept bank statements as proof—no need for full financials
Even if you’re seasonal or fluctuating month-to-month, we evaluate your revenue based on trends—not just one month.
You don’t need to be incorporated to get a loan, but your business must be legitimate and able to receive funds under its own name.
We accept:
LLCs
Corporations
Sole Proprietorships
You’ll need a few simple documents to submit your application:
EIN (Employer Identification Number)
Driver’s License of the business owner
Business Bank Statements (typically last 3 months)
Truck Listing or Invoice – Can be from a dealer or private seller
That’s it. If you have these ready, you can apply in just a few minutes.
Unlike banks or SBA lenders, we don’t bury you in paperwork. At TruckLenders USA, we focus on real-world commercial lending—no tax returns, no financial gymnastics.
You do NOT need:
Tax Returns
Profit & Loss Statements
Business Plan or Collateral Documentation
Hard Credit Pull to Apply
If you’re generating steady income, have good credit, and can provide a truck listing—we’ll get you a decision fast.
We’ve been financing box trucks—and only commercial vehicles—for over 30 years. That means we understand your business, your timeline, and your goals.
Why serious buyers choose TruckLenders USA:
Fast Approvals – Many get approved same-day
No Dealer Markups – We work for you, not the seller
Real People – You’ll work with a dedicated commercial finance specialist
Soft Credit Pull Only – Prequalify risk-free
Commercial-Only Lender – We don’t mix in personal auto loans or consumer credit
From independent contractors to growing delivery fleets, we help business owners like you get the trucks you need to stay moving.
If you meet the box truck loan requirements, your next step is simple: prequalify in 60 seconds—with no impact to your credit score.
→ Meet the box truck loan requirements? Prequalify now in 60 seconds
Still exploring options? Visit our box truck financing hub page for loan types, truck categories, and more resources.
